An SBI PPF account is a long-term, government-backed savings scheme offered by the State Bank of India. It allows individuals to invest between ₹500 and ₹1.5 lakh per year for a tenure of 15 years, earning tax-free interest (currently around 7.1%) compounded annually. The account offers full tax benefits under Section 80C, making it a safe and effective option for building retirement savings or long-term wealth.
The SBI PPF interest rate calculator provides an easy-to-use and user-friendly interface. The SBI PPF calculator displays the exact estimations using variables such as the investment amount, the tenure, and the interest rate.
Once a user enters the requisite information, the SBI PPF calculator calculates the maturity value using the PPF formula. The interest that is added to the principal amount each year is also taken into consideration. The composition of the investment is generated, highlighting the maturity value, which is the total amount invested and the interest earned throughout the investment tenure of a minimum of 15 years.
You can follow the easy steps mentioned below to use the SBI PPF calculator and calculate expected returns from post office PPF investments accurately:
Once you enter all the above details, our calculator will automatically show the maturity amount.
To determine the estimated value of a PPF investment at maturity, the following formula is applied:
M = P [({(1+i) ^n}-1)/i]
Where,
An individual can invest a maximum of up to 1.5 lakh per financial year in a post office PPF account. In case an investor invests Rs 1.5 lakh a year at a 7.1% interest rate, the contribution during that period will be:
Initial Investment Period: 15 Years
Total Investment = ₹1,50,000 × 15 = ₹22,50,000
Interest Earned ≈ ₹18,18,209
Maturity Amount after 15 years:
₹22,50,000 + ₹18,18,209 = ₹40,68,209
First Extension: Additional 5 Years
Additional Investment = ₹1,50,000 × 5 = ₹7,50,000
Total Investment Till Year 20 = ₹22,50,000 + ₹7,50,000 = ₹30,00,000
₹30,00,000 + ₹36,58,288 = ₹66,58,288
Additional Investment = ₹1,50,000 × 5 = ₹7,50,000
Total Investment Till Year 25 = ₹30,00,000 + ₹7,50,000 = ₹37,50,000
Total Interest Till Year 25 ≈ ₹65,58,015
Final Maturity Value after 25 Years = ₹37,50,000 + ₹65,58,015 = ₹1,03,08,015
The interest on PPF is calculated based on the minimum balance in an investor’s account, usually between the fifth and end of the month. The Central Government revises the PPF interest rate every quarter. Over the past few years, the return has been experiencing a dip. The current SBI PPF interest rate is 7.1% per annum for July - September 2025.
The PPF calculator SBI monthly provides various benefits, which include:
To open a PPF account with the State Bank of India (SBI), one needs to fulfil a few requirements, which are mentioned below:
A PPF account is a secure method of investment that helps build long-term wealth through compounding. Using a PPF calculator makes planning easier, helping you stay on track and achieve your financial goals with consistent contributions.